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Condo Insurance

Condo Insurance Built Around You

Your condo association's master policy covers the building — but not your unit, your belongings, or your personal liability. An HO-6 condo policy fills those gaps and protects what matters to you.

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Coverage Details

Condo Insurance Made Simple

Condo insurance (HO-6) is a specialized type of policy — and understanding how it interacts with your HOA's master policy is critical to making sure you're not left with gaps, wherever your condo is located.

Our agents are experienced in reviewing HOA master policy documents to identify exactly what your condo association covers and what it doesn't. We then build an HO-6 policy that fills those gaps precisely — without paying for redundant coverage.

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What's Typically Covered

  • Interior walls, flooring, and fixtures in your unit
  • Personal property (furniture, electronics, clothing)
  • Personal liability if a guest is injured in your condo
  • Loss assessment coverage (when the HOA charges members for a shared loss)
  • Additional living expenses if your unit is uninhabitable
  • Water damage originating from within your unit
  • Optional: jewelry, fine art, or high-value item riders

Understand Your HOA's Master Policy First

Many condo owners assume the HOA's insurance covers everything — it doesn't. Most master policies cover only the building shell. Whether your HOA has a 'bare walls' or 'all-in' policy changes what your HO-6 needs to cover. We help you read your HOA docs and fill the right gaps.

Common Questions

Frequently Asked Questions

What does an HO-6 condo insurance policy cover?
An HO-6 policy typically covers the interior of your unit (walls in, flooring, cabinets, fixtures), your personal belongings, personal liability, and loss of use if your unit is uninhabitable after a covered event. It's designed to complement — not duplicate — your condo association's master policy.
Does my condo association's master policy cover my unit?
It depends on the type of master policy. A 'bare walls' policy covers only the building structure. An 'all-in' or 'all-inclusive' policy covers fixtures and improvements inside units. You need to review your HOA's master policy documents (or let us help you) to know exactly where your association's coverage ends and yours begins.
How much does condo insurance cost?
HO-6 condo insurance is generally affordable — often between $30 and $70 per month — depending on your unit's value, your personal property, and the coverage limits you choose. The cost increases if you add endorsements for high-value items or higher liability limits.
What is loss assessment coverage?
If your condo association suffers a loss that exceeds its master policy limits, it may assess all unit owners for a share of the remaining cost. Loss assessment coverage on your HO-6 policy can cover your portion of that assessment, up to your policy limits.
Do I need flood insurance for my condo?
Yes — just like homeowners, condo owners in flood-prone areas should consider separate flood insurance. Neither your HO-6 policy nor the HOA's master policy typically covers flood damage. We can help you get a flood quote alongside your condo policy.

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Related Coverage Options

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Flood Insurance

Condo owners in flood-prone areas need separate flood coverage.
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Homeowners Insurance

Own a house? See our homeowners coverage options.
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Umbrella Insurance

Extend your condo liability coverage with an umbrella policy.